[Drake]

I've been in touch with my bank who have reassured me that everything is fine and it was a just an innocent mistake.
You lot got me worried 😟

[SB Cleaning]

I had £15 paid into my account the other day from a unknown address to my round.

It's staying there too after reading all this 

[CleanClear]

This happened to a mate of mine. He got a payment of about £15k into his account, then got a phone call from a relative of his customer asking to return the money. He rung the customer back direct who had no knowledge of any of it. It was a scam.

So the payment of 15k never actually went into his account then?

Yeah the payment did go into his account. Here's the way i think it was supposed to work. The money went from his customers account to his account, it went through as it was a recognised payee, so in theory no problem. It was the scammers who then wanted my mate to "refund" the £15k to an account they chose.

What happened was he went to see his customer and they both went to the bank together and both of them got their banks accounts frozen while the fraud team looked into it. He had no banking facilities for about 10 days till it was sorted.

did they get to keep the 15k ?

No, it was returned to his customers account where it had come from.

[NBwcs]

Perhaps I'm being a bit thick here but I'm presuming the money paid into the "victim's" account is real, ie the "victims account has literally got 15k or 17k paid into it, in which case it strikes me as being one hell of risky scam, what if the victim refuses to pay it back? That would at least raise alarm bells with the authorities if the scammer has to go through legitimate channels to get it back. I've missed something here havnt I, else this scam seems to rely on the goodwill of the victim.

[Stoots]

Perhaps I'm being a bit thick here but I'm presuming the money paid into the "victim's" account is real, ie the "victims account has literally got 15k or 17k paid into it, in which case it strikes me as being one hell of risky scam, what if the victim refuses to pay it back? That would at least raise alarm bells with the authorities if the scammer has to go through legitimate channels to get it back. I've missed something here havnt I, else this scam seems to rely on the goodwill of the victim.

I think the idea is the scammer hacks into (your) account and sends me 17k. Then rings me posing as a customer and gets me to refund them into the scammers actual account. Therefore you have been scammed but will be able to claim the money back from me as a fraudulent transaction.  I however have sent 17k to a scammer that I probably can't get back. The scammer has 17k.

[NBwcs]

Aah, I missed the vital bit, there's two victims,   

[NWH]

Perhaps I'm being a bit thick here but I'm presuming the money paid into the "victim's" account is real, ie the "victims account has literally got 15k or 17k paid into it, in which case it strikes me as being one hell of risky scam, what if the victim refuses to pay it back? That would at least raise alarm bells with the authorities if the scammer has to go through legitimate channels to get it back. I've missed something here havnt I, else this scam seems to rely on the goodwill of the victim.

No it’s not the goodwill of the victim at all it’s illegal to try and keep the money paid in,you should contact customer care to cover yourself and let them deal with any reimbursement.

[NBwcs]

Perhaps I'm being a bit thick here but I'm presuming the money paid into the "victim's" account is real, ie the "victims account has literally got 15k or 17k paid into it, in which case it strikes me as being one hell of risky scam, what if the victim refuses to pay it back? That would at least raise alarm bells with the authorities if the scammer has to go through legitimate channels to get it back. I've missed something here havnt I, else this scam seems to rely on the goodwill of the victim.

No it’s not the goodwill of the victim at all it’s illegal to try and keep the money paid in,you should contact customer care to cover yourself and let them deal with any reimbursement.

Illegal or not, there's plenty of potential "victims" out there who wouldn't just pay  it straight back, hence the scammer is relying on their goodwill to do so without informing authorities ie bank getting involved, so yes goodwill very much part of it.

By pure coincidence, I had a customer pay me £111 yesterday instead of £11. First time in 18 years that's happened to me.

[deeege]

Perhaps I'm being a bit thick here but I'm presuming the money paid into the "victim's" account is real, ie the "victims account has literally got 15k or 17k paid into it, in which case it strikes me as being one hell of risky scam, what if the victim refuses to pay it back? That would at least raise alarm bells with the authorities if the scammer has to go through legitimate channels to get it back. I've missed something here havnt I, else this scam seems to rely on the goodwill of the victim.

No it’s not the goodwill of the victim at all it’s illegal to try and keep the money paid in,you should contact customer care to cover yourself and let them deal with any reimbursement.

Illegal or not, there's plenty of potential "victims" out there who wouldn't just pay  it straight back, hence the scammer is relying on their goodwill to do so without informing authorities ie bank getting involved, so yes goodwill very much part of it.

By pure coincidence, I had a customer pay me £111 yesterday instead of £11. First time in 18 years that's happened to me.

What did you spend it on?

[NWH]

You don’t have to display goodwill you could
Always wait  spend the money until you get taken to court and get 2 years.

[NBwcs]

Perhaps I'm being a bit thick here but I'm presuming the money paid into the "victim's" account is real, ie the "victims account has literally got 15k or 17k paid into it, in which case it strikes me as being one hell of risky scam, what if the victim refuses to pay it back? That would at least raise alarm bells with the authorities if the scammer has to go through legitimate channels to get it back. I've missed something here havnt I, else this scam seems to rely on the goodwill of the victim.

No it’s not the goodwill of the victim at all it’s illegal to try and keep the money paid in,you should contact customer care to cover yourself and let them deal with any reimbursement.

Illegal or not, there's plenty of potential "victims" out there who wouldn't just pay  it straight back, hence the scammer is relying on their goodwill to do so without informing authorities ie bank getting involved, so yes goodwill very much part of it.

By pure coincidence, I had a customer pay me £111 yesterday instead of £11. First time in 18 years that's happened to me.

What did you spend it on?

 , I was a very good boy and contacted them and returned it.

[Spruce]

If I need to pay a new supplier by Bacs I have to have an account name,  sort code and account number that match before I can send any money.

Then I can only send a maximum of £750 with the first transaction unless I go through hoops to over- ride it.

When we had a couple of new windows fitted, I paid a small deposit to cover that first transaction and then got bank clearance to pay the rest. I had no come back or bank guarantee on that payment. I took the risk that I wanted to pay that money to the supplier.

[Splash & dash]

If I need to pay a new supplier by Bacs I have to have an account name,  sort code and account number that match before I can send any money.

Then I can only send a maximum of £750 with the first transaction unless I go through hoops to over- ride it.

When we had a couple of new windows fitted, I paid a small deposit to cover that first transaction and then got bank clearance to pay the rest. I had no come back or bank guarantee on that payment. I took the risk that I wanted to pay that money to the supplier.

I have made one off payments by BACS  for many thousands of pounds never had any issues , it does  however  ask extra questions like has someone told you to make this payment ,and are you sure you want to continue  with this transaction but the amount has always been authorised.

[Perfect Windows]

Here's when it nearly happened to us:

http://www.cleanitup.co.uk/smf/index.php?topic=211075.msg1885867#msg1885867

Vin

[Smudger]

Great post vin

was it really that many years ago

Darran

[tonyoliver]

Crazy scam a few doors down from one of my jobs in croydon the scammers stole the bank cards then brought gold with them and had it posted to an address locally
Then knocked on the door asking for their missed delivered parcel
So far so good got away with hundreds of thousands 
Until
They sent 5k to this address in croydon the house owner got the parcel and took it to the pawn broker and got the cash and spent it on   Drugs and other stuff   Before the scammers turned up to collect their I’ll gotten and the fight started  proper battle royal by all accounts
Stabbing and a gun was  produced.
Enter the boys in blue who collected the lot the scammers left the country only one got caught and got five
 the other guy got three for class a  and my job got a great story
One of the reasons why Croydon is the worst place to be a window cleaner by a country mile  or even 5 kilometres!!

[NWH]

I remember when I went up to Purley in the early 90s to help a bloke do his new paper round from 11pm till around 4am,it was a different place then when we went out delivering there was hardly any cars or people about at all he used to drive over the central reservation to turn round in them days 😂.
Doubt you’d get away with that today it’s probably like 9 o’clock in the evening now at 2 in the morning.